MoneyHero Limited Financials

MNY

Source SEC Filings (10-K/10-Q) Updated Apr 30, 2026 Currency USD FYE April

This page shows MoneyHero Limited (MNY) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI MNY FY2025 2026-04-30

Earnings recovery is visible, but cash conversion still trails, leaving the business reliant on existing liquidity rather than debt financing.

Between FY2024 and FY2025, net margin moved from -47.5% to -7.1%, showing the reported loss narrowed sharply. Operating cash flow margin only moved from -31.3% to -14.0%, so the recovery came faster in accounting earnings than in cash, which usually points to cost actions or non-cash items more than stronger collections.

FY2025 revenue slipped to $73.4M while accounts receivable rose to $18.7M, meaning a larger share of sales sat unpaid at year-end. That working-capital drag helps explain why cash burn stayed meaningful even after the net loss became much smaller, instead of turning the income-statement improvement directly into cash.

The company still looks lightly levered: debt-to-equity was near zero and the current ratio remained 2.0x, so near-term obligations do not appear to be driven by lenders. But cash fell from $42.5M to $31.2M in FY2025, and financing cash flow was slightly negative, so the business is now drawing down liquidity built in earlier years rather than replacing it with new capital.

Financial Health Signals

Financial Profile 27/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of MoneyHero Limited's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

MoneyHero Limited's revenue declined 7.7% year-over-year, from $79.5M to $73.4M. This contraction results in a growth score of 26/100.

Leverage

100

MoneyHero Limited carries a low D/E ratio of 0.01, meaning only $0.01 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

MoneyHero Limited's current ratio of 2.02 indicates adequate short-term liquidity, earning a score of 37/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow

While MoneyHero Limited generated -$10.2M in operating cash flow, capex of $123K consumed most of it, leaving -$10.4M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.

Returns

MoneyHero Limited generates a -13.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is up from -78.3% the prior year.

Earnings Quality Low Quality

1.98x

For every $1 of reported earnings, MoneyHero Limited generates $1.98 in operating cash flow (-$10.2M OCF vs -$5.2M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Key Financial Metrics

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Earnings & Revenue

Revenue

$73.4M

YoY-7.7%

MoneyHero Limited generated $73.4M in revenue in fiscal year 2025. This represents a decrease of 7.7% from the prior year.

EBITDA

N/A

Net Income

-$5.2M

YoY+86.3%

MoneyHero Limited reported -$5.2M in net income in fiscal year 2025. This represents an increase of 86.3% from the prior year.

EPS (Diluted)

N/A

Cash & Balance Sheet

Free Cash Flow

-$10.4M

YoY+58.9%

MoneyHero Limited generated -$10.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 58.9% from the prior year.

Cash & Debt

$31.2M

YoY-26.7%

MoneyHero Limited held $31.2M in cash against $240K in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

31M

MoneyHero Limited had 31M shares outstanding in fiscal year 2025.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-7.0%

YoY+40.5pp

MoneyHero Limited's net profit margin was -7.0% in fiscal year 2025, showing the share of revenue converted to profit. This is up 40.5 percentage points from the prior year.

Return on Equity

-13.1%

YoY+65.2pp

MoneyHero Limited's ROE was -13.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 65.2 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$123K

YoY-63.7%

MoneyHero Limited invested $123K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 63.7% from the prior year.

MNY Income Statement

Metric	FY25	FY24	FY23	FY22	FY21
Revenue	$73.4M-7.7%	$79.5M-1.4%	$80.7M+18.4%	$68.1M+10.1%	$61.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A
Interest Expense	$54K+126.3%	$24K-51.0%	$48K+14.8%	$42K-12.5%	$48K
Income Tax	$40K-62.9%	$109K+72.9%	$63K+125.0%	-$252K-559.6%	-$38K
Net Income	-$5.2M+86.3%	-$37.8M+78.1%	-$172.6M-249.1%	-$49.4M-59.8%	-$30.9M
EPS (Diluted)	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q3'24	Q3'23
Revenue	N/A	N/A	N/A
Cost of Revenue	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A
Interest Expense	N/A	N/A	N/A
Income Tax	N/A	N/A	N/A
Net Income	N/A	N/A	N/A
EPS (Diluted)	N/A	N/A	N/A

MNY Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21
Total Assets	N/A	N/A	N/A	N/A	N/A
Current Assets	$74.3M-5.1%	$78.3M-26.8%	$106.9M+119.9%	$48.6M	N/A
Cash & Equivalents	$31.2M-26.7%	$42.5M-38.1%	$68.6M+185.1%	$24.1M+162.0%	$9.2M
Inventory	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$18.7M+38.5%	$13.5M-21.5%	$17.2M+78.0%	$9.7M	N/A
Goodwill	$17.6M	N/A	N/A	N/A	$4.3M
Total Liabilities	N/A	N/A	N/A	N/A	N/A
Current Liabilities	$36.8M+14.5%	$32.1M-10.0%	$35.7M-8.5%	$39.0M	N/A
Long-Term Debt	$240K-18.4%	$294K+834.3%	$31K-89.3%	$293K	N/A
Total Equity	$39.4M-18.3%	$48.2M-39.0%	$79.1M+399.8%	$15.8M+95.3%	$8.1M
Retained Earnings	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q3'24	Q3'23
Total Assets	N/A	N/A	N/A
Current Assets	$78.3M-26.8%	$106.9M+119.9%	$48.6M
Cash & Equivalents	$42.5M-38.1%	$68.6M+185.1%	$24.1M
Inventory	N/A	N/A	N/A
Accounts Receivable	$13.5M-21.5%	$17.2M+78.0%	$9.7M
Goodwill	N/A	N/A	N/A
Total Liabilities	N/A	N/A	N/A
Current Liabilities	$32.1M-10.0%	$35.7M-8.5%	$39.0M
Long-Term Debt	$294K+834.3%	$31K-89.3%	$293K
Total Equity	$48.2M-39.0%	$79.1M+399.8%	$15.8M
Retained Earnings	N/A	N/A	N/A

MNY Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21
Operating Cash Flow	-$10.2M+58.8%	-$24.9M-46.0%	-$17.0M-16.7%	-$14.6M-1.6%	-$14.4M
Capital Expenditures	$123K-63.7%	$338K+187.6%	$117K-54.0%	$255K-9.5%	$282K
Free Cash Flow	-$10.4M+58.9%	-$25.2M-47.0%	-$17.2M-15.4%	-$14.9M-1.3%	-$14.7M
Investing Cash Flow	-$258K-0.6%	-$257K+80.9%	-$1.3M+73.0%	-$5.0M+9.1%	-$5.5M
Financing Cash Flow	-$725K-0.4%	-$722K-101.1%	$63.1M+81.3%	$34.8M+200.3%	$11.6M
Dividends Paid	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q3'24	Q3'23
Operating Cash Flow	N/A	N/A	N/A
Capital Expenditures	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A
Investing Cash Flow	N/A	N/A	N/A
Financing Cash Flow	N/A	N/A	N/A
Dividends Paid	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A

MNY Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A
Net Margin	-7.0%+40.5pp	-47.5%+166.4pp	-214.0%-141.4pp	-72.6%-22.6pp	-50.0%
Return on Equity	-13.1%+65.2pp	-78.3%+139.9pp	-218.3%+94.2pp	-312.5%+69.3pp	-381.8%
Return on Assets	N/A	N/A	N/A	N/A	N/A
Current Ratio	2.02-0.4	2.44-0.6	3.00+1.7	1.25	N/A
Debt-to-Equity	0.010.0	0.010.0	0.00-0.0	0.02	N/A
FCF Margin	-14.1%+17.6pp	-31.7%-10.5pp	-21.3%+0.6pp	-21.8%+1.9pp	-23.7%

Metric	Q3'25	Q3'24	Q3'23
Gross Margin	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A
Net Margin	N/A	N/A	N/A
Return on Equity	N/A	N/A	N/A
Return on Assets	N/A	N/A	N/A
Current Ratio	2.44-0.6	3.00+1.7	1.25
Debt-to-Equity	0.010.0	0.00-0.0	0.02
FCF Margin	N/A	N/A	N/A

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Frequently Asked Questions

What is MoneyHero Limited's annual revenue?

MoneyHero Limited (MNY) reported $73.4M in total revenue for fiscal year 2025. This represents a -7.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is MoneyHero Limited's revenue growing?

MoneyHero Limited (MNY) revenue declined by 7.7% year-over-year, from $79.5M to $73.4M in fiscal year 2025.

Is MoneyHero Limited profitable?

No, MoneyHero Limited (MNY) reported a net income of -$5.2M in fiscal year 2025, with a net profit margin of -7.0%.

How much debt does MoneyHero Limited have?

As of fiscal year 2025, MoneyHero Limited (MNY) had $31.2M in cash and equivalents against $240K in long-term debt.

What is MoneyHero Limited's net profit margin?

MoneyHero Limited (MNY) had a net profit margin of -7.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is MoneyHero Limited's return on equity (ROE)?

MoneyHero Limited (MNY) has a return on equity of -13.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is MoneyHero Limited's free cash flow?

MoneyHero Limited (MNY) generated -$10.4M in free cash flow during fiscal year 2025. This represents a 58.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is MoneyHero Limited's operating cash flow?

MoneyHero Limited (MNY) generated -$10.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are MoneyHero Limited's capital expenditures?

MoneyHero Limited (MNY) invested $123K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does MoneyHero Limited have outstanding?

MoneyHero Limited (MNY) had 31M shares outstanding as of fiscal year 2025.

What is MoneyHero Limited's current ratio?

MoneyHero Limited (MNY) had a current ratio of 2.02 as of fiscal year 2025, which is generally considered healthy.

What is MoneyHero Limited's debt-to-equity ratio?

MoneyHero Limited (MNY) had a debt-to-equity ratio of 0.01 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is MoneyHero Limited's cash runway?

Based on fiscal year 2025 data, MoneyHero Limited (MNY) had $31.2M in cash against an annual operating cash burn of $10.2M. This gives an estimated cash runway of approximately 37 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

Are MoneyHero Limited's earnings high quality?

MoneyHero Limited (MNY) has an earnings quality ratio of 1.98x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is MoneyHero Limited?

MoneyHero Limited (MNY) scores 27 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.